*During normal business hours.
Are you afraid that bad credit could ruin your chances at a personal loan? Maybe you’ve been madly googling ‘emergency loans for bad credit’ or ‘emergency cash loans no credit check’ or ‘emergency loans bad credit unemployed’? At Nifty Loans, we don’t think you should be judged on your past. You’ll be surprised to know that poor credit is actually something that most of us have to deal with at one stage or another. Sometimes it’s unavoidable and sometimes it’s just the result of a few poor decisions. Whatever the reason, at Nifty, we do our best to give Aussies a fair go at a personal loan. Want to know more? Let us explain.
At Nifty, we aren’t like the rest. What does that mean? Well, we won’t make a snap assessment based entirely off your credit score – we think there is more to you than that. Our team look a little deeper. We prefer to take a realistic look at finance and investigate how you are going to repay your loan. The team at Nifty will take a look at your employment status, bank statements and spending habits to get a better idea of your current financial circumstances. We want to make sure you’re on the right track to take on a personal loan.
Why is Nifty the best choice when it comes to online lending? It’s simple. Nifty is 100% online – and by 100% online we really do mean 100% online! From application to approval, the entire process can be done from the comfort of your own home. We won’t ask you to come into a branch or fill out pages and pages of unnecessary paperwork. The Nifty team will cut straight to the chase to give you the best possible chance at a personal loan. We do the hard work for you. So, if you’ve been thinking about submitting an application, why wait? You could scroll up and submit an application right now.
We know the feeling. Does the thought of your credit score make you cringe? Too afraid to even submit an application for fear of rejection? At Nifty, we aren’t like some other lenders. Yes, we will check your credit score during our loan assessment – however, if it is less than fantastic, there is no need to sweat it. The Nifty team bases their assessment on more than just a number – we’ll take a closer look. If we can see you are managing your finances well then we will do our best to find you an appropriate loan product. At Nifty, we are always honest. What does that mean? Well, we won’t just tell you what you want to hear. At Nifty, we don’t claim approval for every single loan because it’s impossible. Every financial situation is different and must be assessed accordingly.
The Nifty team doesn’t want to create further financial stress for our applicants, we want to see you on the road to financial freedom. If you’ve been considering a personal loan we recommend you go ahead since the application itself won’t cost you anything. Better yet, our team will do their best to get back to you in 60 minutes.
Have you been googling ‘emergency loans bad credit unemployed’? Are you wondering whether there is a lender out there who could provide loans to unemployed applicants? Well, you’ve come to the right place. Nifty is your local lender and we’re here to blow your expectations out of the water. The Nifty team understands that sometimes life throws you a curveball (or 2) and employment isn’t always as easy to find as it might seem. So, if you’re unemployed and receiving Centrelink benefits, our team will conduct a thorough and realistic assessment and do their best to find you an appropriate loan product.
It is important to remember that Nifty does not make any guarantees. That means we won’t promise you approval on your application for emergency loans bad credit unemployed, however, we will endeavour to find a way to make it work. Due to the fact that every financial situation is vastly different, our team is unable to give you a direct ‘yes’ or ‘no’ answer. If you’d like to know more, we recommend you go ahead and submit an application. It could only take you a few minutes and, the good news is, it’s completely free! So, why not let us take a closer look?
At Nifty, we provide loans for a wide variety of circumstances. At Nifty, our team understands that when you’re applying for emergency loans for bad credit you need the money fast.
With Nifty Loans, you can apply for fast cash loans from $300 up to $5,000 that can be repaid over 6 to 24 months, depending on the amount you apply for. We know how much Australians appreciate options. That’s why when you come to Nifty, you can apply for 3 different types of loans. These are:
|Small Loans||Unsecured||$300 – $2,000|
|Medium Loans||Secured||$2,100 – $4,600|
|Large Loans||Secured||$5,000 – $10,000|
If you’re wondering what you could site on your 100% online application form then here are a few examples.
Has your car given up at the worst possible moment? Maybe you’re on your way to work in the middle of peak hour traffic and the battery has gone flat – whatever the circumstance, Nifty could lend a hand. If you’ve spent the day googling ‘emergency car repair loans bad credit’ or emergency cash loans bad credit’ then stop where you are. Nifty has revolutionised the way we look at poor credit. Gone are the days of rejection after rejection from a traditional lender. Nifty is taking bad credit and shaking it up. We look at more than just your credit score whilst determining whether or not you’re eligible for emergency loans for bad credit. So, don’t suffer on the bus for the next 5 months – let Nifty lend a hand.
Medical bills are an expense that simply can not be ignored. If you’ve found yourself in need of cash to assist with a medical expense then Nifty could be the lender you’re searching for. We get it, no one wants to be thinking about a bad credit score whilst they’re unwell. So, why not let the team at Nifty relieve the stress. Our team doesn’t think poor credit should be the end of the world. As a result, we’ll do our best to work around it. We don’t guarantee approval for all emergency cash loans bad credit applications, as every financial situation is different. The Nifty team simply encourages you to submit an application and let us see what we could do for you.
So, now you know a little more about us, we’ll need to get to know you a little better. The good news is, we like to keep things pretty simple at Nifty. If you’re keen on submitting an application for a personal loan you’ll just need to be able to say ‘yes’ to the following…
Pretty straight forward, right? At Nifty, we are making is simpler than ever for more Aussies to access a fair personal loan. So, why not let our team see what we could do for you.
So, you’re ready to fill out your 100% online application form. If you’re wondering what documents you’ll need to provide, you’ll be pleased to know we don’t ask for much. At Nifty, we only deal with the basics. So, here’s what you’ll need to provide…
If you’ve got questions, our team has the answers. Don’t be afraid to get in touch.
In some cases, the Nifty team will conduct an employment check as a part of our loan assessment process. There is no need to stress – this is just routine. At Nifty, we are committed to responsible lending – that means we do the right thing by you. Consequently, we contact your employer to verify you have a form of income. Our team understands that your privacy is important. We will never disclose any personal information to your employer- including the reason why you are applying for a personal loan. Keep in mind our team is here to help. If you’ve got questions you can get in touch and we’ll get back to you as soon as possible.
Wondering why the Nifty team might ask you to provide online banking details when you apply for emergency loans for bad credit? Don’t panic, the team at Nifty simply request your online banking details in order to access read-only copies of your bank statements. Bank statements give our team an insight into your spending habits, income, pre-existing financial commitments. This allows us to conduct a fair assessment that is not solely based on your credit score.
So, if you’re an applicant looking for emergency loans for bad credit then providing your online banking details might actually work in your favour – our team will take a realistic look at your day-to-day finances. If you’re concerned about security, there is no need to be. Nifty uses the latest in safe banking technology to encrypt your information. What does encryption mean? Basically, your passwords and personal information will always be hidden.
At Nifty, you are our top priority! Our customers are the reason we are here. Consequently, the Nifty team is dedicated to providing the best possible experience for all applicants. We are committed to making the emergency loans for bad credit application process as simple as possible. We care – and we aren’t joking. At Nifty, we will never ever lend you an amount of money that we do not believe you will be able to repay. There are lenders out there who promise the world, however, almost always significantly underdeliver. Nifty is not one of them. We believe in 100% transparency. If we can’t find you an appropriate loan product we’ll be honest. We don’t want to waste your time. So, if we can find a personal loan that suits your financial situation, a member of our team will get in touch ASAP.
So, you’re ready to submit an application for emergency loans for bad credit? The good news is, the application is super easy. Our team could even have an outcome for you in just 60 minutes. Here’s what you’ll need to do:
To get started, just scroll up and use our loan calculator to input a loan amount and repayment period. When you’re happy, just hit ‘apply now’.
If you’ve chosen to proceed with an application for emergency loans for bad credit then you’ll be directed to our 100% online application form. This could only take you a matter of minutes to complete. Once you’re done, you can sit back and relax. Our team will do the hard work. If you’ve chosen to apply in AEST business hours we’ll do our best to get back to you in just 60 minutes.
If your application is successful a member of our team will be in touch. We’ll send over a contract for you to check out. Remember, if you’re not happy there is no obligation to accept. Consequently, our team encourages you to review your agreement and make sure you are aware of any fees or charges that could incur from late or failed payments. When you’re happy, just sign and send it back to us.
Once we receive your signed contract we’ll transfer the money straight to your account. If your bank supports NPP instant transfers you could have the cash in as little as 60 seconds – however, if not, you can expect the money to reach your account overnight.
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$5,000 - $10,000
$2,001 - $4,600
$300 - $2,000
* Not applicable. Small loans do not charge an annual interest rate.
** WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Different loans may include other payable fees and charges. All fees and charges will always be displayed on your loan contract.